Citadel Credit Union

Personal

Personal Banking

Bank

Borrow

Save

Home Loans

Wealth & Retire

Payments
Business

Business Banking

Business Checking

Business Savings

Business Tools

Industry Solutions

Business Team

Medical Banking

Routing # 231380104

Bank
- Bank
  Checking Built For You
  
  Love earning cash back? Don’t want requirements or fees? Either way, we’ve got you covered!
  
  Compare Accounts
Save
- Savings Accounts
  4.40% APY* on 18 & 24 Month Certificates
  
  Save more for your future. ^*Additional terms apply.
  
  Learn More
Borrow
- Borrow
  A HELOC Can Help Make Your Home Your Own
  
  Intro rates as low as 1.99% APR^*. Variable rates as low at 8.25% APR^*. ^*Additional terms apply.
  
  Learn More
Wealth & Retire
- Wealth & Retire
  What Will Your Retirement Look Like?
  
  Let's plan your future today. Schedule your complimentary consultation with one of our CFS* advisors.
  
  Get Started
Insure
- Insure
  Let’s Navigate Medicare Together
  
  Citadel offers dedicated Medicare Specialists to help you better prepare and understand your Medicare options.
  
  Learn More
Learn & Plan
- Learn & Plan – Financial Education
  Looking For Ways to Grow Your Nest Egg?
  
  When it comes to saving wisely and investing for your future, Citadel has plenty of great options to help you reach your goals.
  
  Learn More
Payments
- Payments
  - Auto Loan Center
  - Loan Payment Frequently Asked Questions
  Real-Time Account Alerts
  
  Manage your loan and stay current on statements, payments, and more with personalized alerts and reminders.
  
  Enroll Now

Business Checking
- Business Checking
  - Elite Business Checking
  - Essential Business Checking
  Meet Elite
  
  With more transactions per month, our Elite Business Checking account can help your business evolve.
  
  CHECK IT OUT
Business Savings
- Business Savings
  4.40% APY* on 18 & 24 Month Certificates
  
  Save more for your business's future. ^*Additional terms apply.
  
  Learn More
Business Loans
- Business Loans & Credit Cards
  Flexible Working Capital
  
  We can help manage your cash flow with flexible funding options like a Business Line of Credit.
  
  Learn More
Business Tools
- Business Tools
  - Cash Management Solutions
  - Online & Mobile Banking Tools
  Streamline Operations
  
  Find tools to automate Payroll & HR, Merchant Services by Clover, and Remote Deposit Capture.
  
  VIEW ALL
Industry Solutions
- Industry Solutions
  - Who We Serve
  - Medical Banking
  Businesses Like Yours
  
  Our team has extensive experience supporting a wide variety of businesses and industries, including healthcare.
  
  LEARN MORE
Business Banking Team
- Business Team
  Articles & Tips
  
  Get inspired with helpful articles and free resources for business leaders.
  
  READ MORE

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Is gift money an acceptable source of down payment?

Frequently Asked Question

Yes, a relative can gift the down payment and closing costs for most programs.